Duval County, Florida, Short Sale Specialist In today's market, many home sellers are finding it hard to compete with all of the short sale and foreclosure listings priced well below other homes for sale. Because of this, desperate home owners trying to get rid of their homes often end up in foreclosure. I am here to tell you it doesn't have to end that way! Have you ever considered a short sale? A short sale takes place when a homeowner owes more on their home than it is currently worth. After proving to their lender they can no longer afford the home due to a financial hardship, the bank will allow them to "short sale" their home. Hardships can include relocation, loss of income, job transfer, divorce, increased medical bills, and others.     klkjjh What is the short sale process? After the bank sees you are in a hardship and in no place to pay off the loan, they will allow you to sell your home at a discounted price, less than what is owed on the mortgage in most cases. The home is listed for sale through a Florida licensed Realtor. My team and I use one of the most aggressive marketing techniques in Northeast Florida in hopes of bringing in a quick, high offer. Once an offer is received it is sent into the bank and hopefully approved. At closing, we will work with your lender to make sure you are fully released from the debt that remains (what you owe on the home minus what the home sells for).

 Short Sale Benefits

The main advantage of a short sale is you get your home sold while at the same time receiving forgiveness of your debt. In addition, your lender pays all seller closing costs which includes our commission. The entire process doesn't cost you a penny!

The short sale itself will likely lower your credit score by 30-70 points. Missed mortgage payments damage the credit score far worse, averaging around 30 points or more each. After a short sale is completed, you may be eligible to qualify for a new loan in as little as a year.

Keep in mind, we will work with your lender to get you completely forgiven of the debt! After a foreclosure, your lender holds the right to pursue a deficiency judgment.

Call us today and find out if you may qualify for a short sale.
If you do qualify, we will start the short sale process immediately!

(904)733-4911

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